Exhibit 23.1


                [DELOITTE & TOUCHE LLP LETTERHEAD APPEARS HERE]


CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in the Registration Statements Nos.
333-03040, 333-67581, 333-67581-01,  333-67581-02,  333-67581-03,  333-67581-04,
333-72979, 333-67579, 333-109304, 333-109304-01,  333-109304-02,  333-109304-03,
333-109981 and 333-117600 on Form S-3 (as amended) and  Registration  Statements
Nos. 333-03042, 333-03044,  333-27987, 333-95497,  333-103009, and 333-109941 on
Form S-8 (as  amended)  of our  reports  dated  March 8, 2005,  relating  to the
consolidated  financial  statements of UnionBanCal  Corporation and subsidiaries
and management's  report on the effectiveness of internal control over financial
reporting,  appearing  in  this  Annual  Report  on  Form  10-K  of  UnionBanCal
Corporation for the year ended December 31, 2004.


/S/ DELOITTE & TOUCHE LLP

San Francisco, California
March 8, 2005